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Extended warranty?

Hi all-

I'm about to purchase a new furnace, and was wondering about extended warrantees. I'll likely get either a Ruud or American Standard (80%, 2-stage, regular fan). From what I understand, these are good furnaces and I trust the contractor to do quality work, so I wonder if I need to shell out even more since I'm already buying quality?

What are some opinions out there? Both furnaces come with 1 year labor, 5-year parts, and 20-year heat exchanger (part and labor for AS, part only for Ruud).

This is a great site, I've learned so much. Thank you!
Amy
Portland, OR